Tax-Loss Harvest Finder
Sell the loss, keep the exposure. For any fund, ranked stand-ins that track the same market — scored on a year of price correlation, holdings overlap, and fee — with a flag when two funds follow the same index and a swap could look substantially identical.
Correlation computed on ~250 shared sessions per pair · not tax advice — the flag is a heuristic, your compliance desk has the final word
| Substitute | Correlation | Book overlap | Fee vs SPGM | Assets | Wash-sale read | |
|---|---|---|---|---|---|---|
| VXUS Vanguard Total International Stock ETF | 0.932 | 3% | -2bp | $76.3B | different index | Compare |
| SPEM SPDR Portfolio Emerging Markets ETF | 0.903 | 1% | -2bp | $17.9B | different index | Compare |
| VSGX Vanguard ESG International Stock ETF | 0.928 | — | +3bp | $4B | different index | Compare |
| SCHC Schwab International Small-Cap Equity ETF | 0.878 | — | +2bp | $4.3B | different index | Compare |
| VGK Vanguard European Stock Index Fund | 0.840 | 2% | +2bp | $20.6B | different index | Compare |
| IEUR iShares Core MSCI Europe ETF | 0.833 | 2% | +2bp | $9.1B | different index | Compare |
RANKED BY CORRELATION, FEE, AND OVERLAP · “SAME INDEX” PAIRS ARE FLAGGED BECAUSE THE IRS HAS NEVER DEFINED “SUBSTANTIALLY IDENTICAL” — MOST DESKS TREAT SAME-INDEX SWAPS AS OFF-LIMITS AND DIFFERENT-INDEX SWAPS AS DEFENSIBLE
Cached coverage for 2,133 funds. Latest price/flow record dates: 2024-08-23 to 2026-10-02 (1,104 funds with dated records). Fund details retrieved: 2026-09-02 to 2026-10-05. Data dates vary by fund; these are not live quotes. Flow totals include available records only; missing coverage is not evidence of zero flow.